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001 18220023
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005 20231107145115.0
007 ta
008 140710s2014 enka b 001 0 eng
010 _a 2014024776
020 _a9780190218898 (hardcover : acidfree paper)
020 _a0190218894 (hardcover : acidfree paper)
040 _aDLC
_beng
_cDLC
_erda
_dDLC
042 _apcc
043 _an-us---
050 0 0 _aHD 7125
_bE47f 2014
082 0 0 _a331.25/20973
100 1 _aEllis, Charles D.,
_d1937-
_932839
245 1 0 _aFalling short :
_bthe coming retirement crisis and what to do about it /
_cby Charles D. Ellis, Alicia H. Munnell, and Andrew D. Eschtruth.
260 _aOxford ;
_aNew York, NY :
_bOxford University Press,
_c2014.
264 1 _aOxford ;
_aNew York, NY :
_bOxford University Press,
_c[2014]
300 _a159 pages :
_billustrations ;
_c22 cm.
336 _atext
_btxt
_2rdacontent
337 _aunmediated
_bn
_2rdamedia
338 _avolume
_bnc
_2rdacarrier
504 _aIncludes bibliographical references (pages 147-156) and index.
505 0 _aIntroduction -- How did we get here? -- How big is the problem? -- What can we do as individuals? -- What can we do as a nation?.
520 _aThe United States faces a serious retirement challenge. Many of today's workers will lack the resources to retire at traditional ages and maintain their standard of living in retirement. Solving the problem is a major challenge in today's environment, in which risk and responsibility have shifted from government and employers to individuals. For this reason, the authors have written this concise guide, grounded in sound research yet written in a highly accessible style, for anyone concerned about their own--and the nation's--retirement security. The authors provide a vivid picture of the retirement crisis in America. They offer the necessary context for understanding the nature and size of the shortfall, which is caused by both increasing income needs--due to longer lifespans and rising health costs--and decreasing support from Social Security and employer-sponsored pension plans. The solutions are to work longer and save more by building on the existing retirement system. To work longer, individuals should plan to stay in the labor force until age 70 if possible. To save more, policymakers should shore up Social Security's long-term finances; make all 401(k) plans fully automatic, with workers allowed to opt out; and ensure that everyone has access to a retirement savings plan. Individuals should also recognize that their house is a source of saving, which they can tap in retirement through downsizing or a reverse mortgage-
650 0 _aSocial security
_zUnited States.
650 0 _aPensions
_zUnited States.
650 0 _aRetirement income
_zUnited States.
650 4 _aSeguridad social
_zEstados Unidos
_9527
650 4 _aPensiones
_zEstados Unidos
_920628
650 4 _aIngresos de jubilación
_zEstados Unidos
_916337
700 1 _aMunnell, Alicia Haydock,
_d1942-
_932841
700 1 _aEschtruth, Andrew D.
_932842
906 _a7
_bcbc
_corignew
_d1
_eecip
_f20
_gy-gencatlg
942 _2lcc
_cBK
999 _c119677
_d119677